Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14511046
Complaint Overview
Complaint ID: 14511046
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: New York
ZIP Code: 10472
Date Received: 2025-07-07T12:00:00-05:00
Date Sent to Company: 2025-07-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complaint Description ( Updated for XXXX XXXX ) : I am disputing the handling of the XXXX XXXX account by TransUnion and Equifax. This account was originally opened on XX/XX/XXXX, with the last payment made on XX/XX/XXXX. It was removed from my credit report and then re-added by TransUnion with a new last updated date of XX/XX/XXXX. This re-aging caused my TransUnion credit score to drop by XXXX points. Equifax also dropped my score XXXX points on XX/XX/XXXX, and another XXXX points on XX/XX/XXXX, in connection with this same account. I disputed this account because I have never been able to reach XXXX XXXX directly. All phone numbers lead to automated messages, and I have no way to speak to a representative or resolve the debt. I filed the dispute in hopes that it would provide me with contact information so I could pay off the balance. Instead, the dispute triggered a re-aging of the account and a massive score collapse. Disputes are not supposed to negatively impact credit scores. I am requesting a full investigation into how this account was re-aged, why it was removed and re-added, and how the dispute was handled. I also want a written explanation of how this update was verified, and why the account is still being reported as adverse despite being closed for years. This has caused me to lose access to housing and other financial opportunities.
Frequently Asked Questions
What is Complaint #14511046 about?
Complaint #14511046 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-07-07T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.